Dealing with more debt than you can hope to pay back in a reasonable amount of time can be stressful and lead to instabilities that can affect your personal and professional life.
Some collection agencies appear to be determined to make your life even harder by calling you nonstop, yelling at you over the phone, and threatening to have you arrested. What they don’t do is tell you that their conduct is illegal.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a federal consumer consumer protection law designed to regulate the conduct of third-party debt collectors. It specifies collection actions that are deemed deceptive or abusive, such as:
- Demanding outrageous amounts that exceed the amount of the original debt
- Threatening consequences they cannot legally inflict, or have no intention of carrying out
- Failing to identify themselves as debt collectors in each communication
- Calling at inconvenient times, usually before 8:00 a.m. and after 9:00 p.m
- Swearing, raising their voice, and making threats
- Telling you that you have broken the law and can go to jail
Company Profile: the Office of John E. Lindner, P.A.
If you are being called by The Law Office of John E. Lindner, P.A., information about the company and its operations are below.
The Law Office of John E. Lindner, P.A. is a debt collection law office located in Lutherville, Maryland. It opened for business in 1991, has a small staff, and is managed by John E. Lindner.
According to the company website, the firm focuses on medical and consumer debt recovery. A review of litigation records at the PACER website indicates that consumers who believed that they were being harassed by Law Office of John E. Lindner, P.A. hired consumer attorneys to help them protect their rights.
Alleged Violations against Law Office of John E. Lindner, P.A.
According to PACER, on or about October 28, 2016, The Law Office of John E. Lindner, P.A. mailed a collection letter to a Maryland consumer, advising her that it was retained to collect a debt from her.
On or about November 15, 2016, the consumer mailed a certified letter to John E. Lindner disputing the debt and requesting validation.
Although the letter was received and signed for on November 18, the office sent her another collection letter, this one stating, “Since you have failed to respond to our earlier correspondence and remit the balance due on your above-referenced account, we are proceeding with the filing of a lawsuit in order to collect the balance due.”
Feeling harassed by Law Office of John E. Lindner, P.A., the consumer sued the company for committing the following FDCPA violations:
- Using harassing, oppressive, and abusive means to collect a debt
- Using false, deceptive, and misleading means to collect a debt
- Using unfair and unconscionable means to collect a debt
- Trying to collect a debt within the dispute period
The matter was later resolved.
Hire a Consumer Lawyer
The phone numbers for Law Office of John E. Lindner, P.A. are:
If any of them appear on your caller ID at any time, it is confirmation that The Law Office of John E. Lindner, P.A. is attempting to contact you. If they send letters threatening a lawsuit before the statutory dispute period has passed, contact a consumer lawyer who can assist you in filing a claim against The Law Office of John E. Lindner, P.A.
You could receive a statutory award of up to $1000 plus actual damages, so even if the debt collector is an attorney, fighting back could give them an expensive surprise.
Case taken from PACER (pacer.gov). File number is Case 1:17-cv-01929-ELH from the United States District Court for the District of Maryland, Baltimore Division.
*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Law Office of John E. Lindner, P.A, or any other third-party collection agency, you may not be entitled to any compensation.